The Problem? Money Feels Unstable and Hard to Predict

After loss, your finances rarely look the way they used to. Income may change. Expenses shift. Bills feel heavier. Decisions that once felt routine now feel loaded with risk.

Many widowed people live in a constant state of uncertainty. Not knowing if there’s enough. Not knowing what’s sustainable. Not knowing which decisions will help and which might make things worse.

That uncertainty makes it hard to plan and easy to avoid looking at the numbers at all.

You Want Control Without Pressure

You want to understand what’s coming in and what’s going out without feeling judged or overwhelmed.
You want a budget that reflects real life, not perfection.
You want to make decisions about debt, housing, and work from a place of clarity instead of fear.

You want to feel steady again, even if everything isn’t solved yet.

Introducing Managing Money Flow

Managing Money Flow helps you understand and manage your money after loss so you can make grounded, realistic decisions about your financial future.

This course focuses on cash flow, not perfection. It helps you see your full financial picture, adapt to changes, and build systems that support you now, not the life you had before.

You won’t be pushed to make big decisions before you’re ready. You’ll learn how to stabilize first, then plan at a pace that feels manageable.

What You’ll Learn

• Understand where your money comes from.
  Identify income sources including personal income, Social Security, pensions, retirement accounts, and investments.
• Get clear on your real expenses.
  Learn how to track fixed and variable costs using methods that are simple and sustainable.
• Create a budget that actually works.
  Build a realistic budget based on your current life, not unrealistic rules or guilt.
• Manage debt without panic.
  Understand which debts are yours, how to prioritize them, and how to communicate with creditors when needed.
• See your full financial picture.
  Learn how to calculate net worth so you understand assets, liabilities, and where you stand overall.
• Make informed housing decisions.
  Evaluate your mortgage, home equity, and affordability while considering both financial and emotional factors.
• Build a financial safety net.
  Understand emergency funds, how much you need, and how to build one at a pace that feels possible.
• Navigate returning to work.
  Explore the financial and emotional realities of re-entering the workforce and prepare thoughtfully if and when you’re ready.

Frequently Asked Questions

1. I’m afraid to look at my numbers. What if it’s worse than I expect?
   That fear is common. This course helps you look at your finances gradually and safely so clarity replaces anxiety, even when the numbers aren’t ideal.
2. Do I need to follow a strict budget?
   No. This course focuses on realistic cash flow, not rigid rules. The goal is understanding and flexibility, not perfection.
3. What if my income is irregular or uncertain?
   That’s addressed directly. You’ll learn how to work with variable income and plan for uncertainty without constant stress.
4. Will this tell me exactly what decisions to make?
   No. It gives you the information and structure you need to make your own decisions with confidence.
5. Is this too advanced if I’ve never budgeted before?
   Not at all. Everything is explained step by step in plain language, with worksheets to guide you.
6. What if I’m not ready to think about work or housing yet?
   That’s okay. Those sections are there when you need them. Nothing in this course forces timing or big decisions.

Managing Money Flow helps you replace financial anxiety with understanding, structure, and steady confidence in what comes next.